Midwest BankCentre in Lemay, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Midwest BankCentre - Overview

  • General
  • FDIC Certificate #: 1058
    Status: Active
    Federal Reserve ID: 657459
    Bank Holding Company (Regulatory Top Holder): Stupp Bros., Inc. (RSSDID: 1094556, Location: Saint Louis, MO)
    Date Established: March 01, 1906
    WWW: http://www.midwestbankcentre.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: No)
    FDIC's unique #: 708
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 21, 2008
    Last Structure Change Process Date: March 27, 2008
    Last Data Update: March 27, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2191 Lemay Ferry Road, Lemay, MO 63125
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Office Sold
  • Financial Summary
  • Total assets: $1,070.0 mil
    Equity capital: $119.0 mil
    Deposits held in domestic offices: $769.1 mil
    Return on assets (ROA): 0.68% ($7.3 mil)
    Quarterly return on assets: 0.88% ($9.4 mil)
    Return on Equity (ROE): 6.37% ($7.6 mil)
    Quarterly return on equity: 7.92% ($9.4 mil)
    Net income: $7.4 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 0.86% ($9,202.3 mil)
    Quarterly Pretax return on assets: 1.06% ($11,342.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 197Total employees (full-time equivalent)
  • $1,070,032Total assets
  • $23,482Cash and due from depository institutions
  • $7,773Interest-bearing balances
  • $268,067Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $695,142Net loans & leases
  • $12,280Loan loss allowance
  • $0Trading account assets
  • $10,992Bank premises and fixed assets
  • $1,412Other real estate owned
  • $25Goodwill and other intangibles
  • $1,070,032Life insurance assets
  • $70,912All other assets
  • $951,067Total liabilities and capital
  • $769,127Total liabilities
  • $613,245Total deposits
  • $769,127Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 116139.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,000Trading liabilities
  • $0Other borrowed funds
  • $7,801Subordinated debt
  • $118,965All other liabilities
  • $118,965Total equity capital
  • $118,965Total bank equity capital
  • $0Perpetual preferred stock
  • $12,886Common stock
  • $5,477Surplus
  • $100,602Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,502Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,436Income earned, not collected on loans
  • $0Earning assets
  • $3,292Long-term assets (5+ years)
  • $970,982Average Assets, year-to-date
  • $209,770Average Assets, quarterly
  • $1,079,369Volatile liabilities
  • $1,071,839Insider loans
  • $839,376FHLB advances
  • $1,074,824Loans and leases held for sale
  • $50,276Unused loan commitments
  • $44,628Tier 1 (core) risk-based capital
  • $115,259Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,648Total unused commitments
  • $145,255Restructured Loans and leases
  • $33,058Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,073Total interest income
  • $10,413Total interest expense
  • $29,660Net interest income
  • $2,483Provision for loan and lease losses
  • $9,982Total noninterest income
  • $0Fiduciary activities
  • $1,613Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,369Additional noninterest income
  • $28,329Total noninterest expense
  • $15,892Salaries and employee benefits
  • $3,599Premises and equipment expense
  • $8,838Additional noninterest expense
  • $8,830Pre-tax net operating income
  • $439Securities gains (losses)
  • $1,880Applicable income taxes
  • $7,389Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,389Net income attributable to bank
  • $0Net charge-offs
  • $7,389Cash dividends
  • $4,114Sale, conversion, retirement of capital stock, net
  • $3,605Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.06%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.37%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 60.35%Credit loss provision to net charge-offs
  • 2.75%Efficiency ratio
  • 71,462Assets per employee
  • 5.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.79%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 117.67%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 90.38%Net loans and leases to core deposits
  • 93.67%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 10.72%Tier 1 risk-based capital ratio
  • 13.73%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,079,369Average earning assets
  • $116,033Average equity
  • $968,424Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $66,649Managed Assets
  • 1Number of Accounts
  • $65,419Personal trust and agency accounts
  • $40,813Employee benefit-defined contribution accounts
  • $7,532Employee benefit-defined benefit accounts
  • $13,800Other retirement accounts
  • $1,343Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1,931Non-managed Assets
  • 156Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,230Other retirement accounts
  • $183Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,029Fiduciary accounts held in foreign offices

List of branches

  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0708Midwest Bankcentre2191 Lemay Ferry Road, Lemay, MO 63125March 01, 1906Full Service Brick and Mortar
    3187799Oakville Branch5575 Telegraph Road, Saint Louis, MO 63129May 03, 1976Full Service Brick and Mortar
    4187800Arnold Branch1950 Richardson Road, Arnold, MO 63010December 21, 1990Full Service Brick and Mortar
    6187802Fenton Branch1007 Bowles Avenue, Fenton, MO 63026August 11, 1999Full Service Brick and Mortar
    9358193Clayton Branch8020 Forsyth, Clayton, MO 63105September 11, 2000Full Service Brick and Mortar
    10358257Winghaven Branch2299 Technology Drive, O Fallon, MO 63368June 05, 2000Full Service Brick and Mortar
    14365046Chesterfield Branch17050 Baxter Road, Chesterfield, MO 63005October 01, 2000Full Service Brick and Mortar

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